Marginal Tax Bracket Calculator
See which 2025 federal tax bracket you fall in, your total federal tax and effective rate, with a bracket-by-bracket breakdown.
How it works
Tax = Σ (income within each bracket × that bracket's rate) · Marginal rate = rate on your last dollar · Effective rate = total tax ÷ taxable income
The US federal income tax is progressive: your income is sliced across brackets, and each slice is taxed only at its own rate. Being "in the 22% bracket" does not mean 22% of all your income is taxed — only the portion above the 22% threshold is. This is why your marginal rate (the rate on your next dollar) is higher than your effective rate (your average across all income). The breakdown table shows exactly how much income lands in each 2025 bracket and the tax it generates.
Worked example
A single filer with $75,000 of taxable income pays 10% on the first $11,925, 12% on the next $36,550, and 22% on the remaining $26,525 — about $11,414 total. The marginal bracket is 22%, but the effective rate is only about 15.2%.
Frequently asked questions
Does moving into a higher bracket tax all my income more?
No — this is the most common tax myth. Only the income above the new bracket's threshold is taxed at the higher rate. A raise never lowers your take-home pay; the extra dollars are simply taxed at your marginal rate.
What is the difference between marginal and effective rate?
Your marginal rate is the bracket your last dollar falls in. Your effective rate is total tax divided by taxable income — the blended average. The effective rate is always lower because the early brackets tax income at lower rates.
Is this my total tax bill?
This is federal income tax on taxable income only. It excludes FICA payroll tax, state and local income tax, the alternative minimum tax, and any credits — so your total tax burden differs from this figure.
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Educational estimate using approximate 2025 US federal figures — not tax advice. Brackets, deductions and thresholds are simplified and ignore credits, state rules and W-4 details; consult a tax professional or the IRS for your actual liability.